Mortgage on an inherited property

Cuffs

My niece will inherit her mother's property which has a small mortgage on it. Probate has been granted. My niece is getting a mortgage to pay off the current mortgage and some credit card debt. She's had it agreed in principle. My question is can she get a mortgage before the house is transferred to her to pay off everything and then have it transferred. I'm the executor and getting conflicting advice. Thanks hopefully

born_again

Solicitor advice would be best.

But surely the inherited property will have had the mortgage paid off?

Cuffs

My niece is getting a mortgage to pay the existing mortgage off.

chanz4

you as executor would have to sell via a solicitor for the house sale, and then estate would be paid by her lender etc

theoretica

Cuffs said:

My niece will inherit her mother's property which has a small mortgage on it. Probate has been granted. My niece is getting a mortgage to pay off the current mortgage and some credit card debt. She's had it agreed in principle. My question is can she get a mortgage before the house is transferred to her to pay off everything and then have it transferred. I'm the executor and getting conflicting advice. Thanks hopefully

Would the lender really give her a mortgage on a property that isn't hers yet?  I suspect, as with a normal house purchase, the two mortgages and the transfer of the property will need to be coordinated to happen at the same time - which probably means a solicitor/conveyancer.